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California Department of Insurance CA-Life-Accident-and-Health熱門考題 - CA-Life-Accident-and-Health考證
California Department of Insurance 是一個成功的公司,提供各種認證和考試。通過 CA-Life-Accident-and-Health 考試是其中的核心要求。將帶來一個新的前沿,對你的職業道路起著如此重要的角色。CA-Life-Accident-and-Health 認證考試的考題按照相同的教學大綱,其次是實際的 California Department of Insurance 的 CA-Life-Accident-and-Health 認證考試,我們也是不斷的升級我們的培訓資料,你得到的所有產品高達1年的免費更新,你也可以隨時延長更新訂閱時間,你將得到更多的時間來充分準備考試。
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最新的 California Department of Insurance Certification CA-Life-Accident-and-Health 免費考試真題 (Q87-Q92):
問題 #87
A worker who is credited with 6 quarters of coverage during the last 13-quarter period becomes disabled.
What status does the worker have under the Social Security Disability Program?
- A. Partially insured.
- B. Currently insured.
- C. Disability insured.
- D. Uninsured.
答案:B
解題說明:
Under the Social Security Disability Program, a worker who is credited with 6 quarters of coverageduring the last 13-quarter period is considered "currently insured." This status indicates that the worker has earned enough credits within a recent period to qualify for certain Social Security benefits, including disability benefits, though they may not have the fully insured status required for retirement benefits.
問題 #88
A contract in which only one party to the contract is legally bound to do anything is
- A. unilateral.
- B. personal.
- C. conditional.
- D. aleatory.
答案:A
解題說明:
* Definition: A unilateral contract is one where only one party makes a legally enforceable promise.
* Mechanism: In a unilateral contract, the other party is not obligated to act, but if they do, the promisor is bound to fulfill their promise.
* Example: Insurance policies are classic examples of unilateral contracts. The insurer promises to pay benefits in the event of a covered loss, but the policyholder is not obligated to file a claim.
* Characteristics: These contracts differ from bilateral contracts, where both parties exchange mutual promises.
* Regulations: California insurance law recognizes unilateral contracts as valid and enforceable, provided they meet all other legal contract requirements.
References:
* California Department of Insurance contract law guidelines.
* Legal definitions and examples of unilateral contracts.
問題 #89
According to the California Insurance Code, an illustration used to sell life insurance must include all of the following information EXCEPT
- A. insurer's policy name and form number.
- B. name and address of the producer.
- C. a label that identifies it as an illustration.
- D. the probability that illustrated nonguaranteed scenarios will occur.
答案:D
解題說明:
According to the California Insurance Code, an illustration used to sell life insurance must include several key pieces of information to ensure transparency and understanding for the consumer. These requirements include a label identifying it as an illustration (B), the insurer's policy name and form number (C), and the name and address of the producer (D). However, the probability that illustrated nonguaranteed scenarios will occur is not required to be included, as these illustrations are understood to be hypothetical and not guaranteed.
問題 #90
Nearly every life insurer in the United States belongs to the
- A. Medical Information Bureau.
- B. Securities Exchange Commission.
- C. Centers for Medicare and Medicaid Services.
- D. National Association of Insurance Commissioners.
答案:A
解題說明:
Nearly every life insurer in the United States belongs to the Medical Information Bureau (MIB). The MIB is a cooperative data-sharing service that helps insurers assess risk and prevent fraud by providing underwriting information through a shared database of medical and health-related information collected during previous insurance applications.
問題 #91
Which of the following is a common business use for life insurance?
- A. Creating an immediate estate.
- B. Creating emergency funds to avoid the need to liquidate assets.
- C. Helping to fund a person's retirement.
- D. Key person policy.
答案:D
解題說明:
A key person policy is a common business use for life insurance. It is designed to protect a company from the financial loss that might occur from the death of an important employee, such asa founder, executive, or someone with unique skills critical to the company's success. The business is the beneficiary of the policy, which helps to offset the costs associated with the loss of the key person, such as recruitment, training of a replacement, and lost revenue. This practice is widely recognized and recommended by the California Department of Insurance for businesses to ensure financial stability in the event of the death of a key employee.
問題 #92
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